Yeah that was my point. MTB risk profile isn't substantially greater than any other sport imo. You could get a cardiac arrest like that running. But most insurances don't exclude running, for obvious reasons.Not all accidents happen on the Red Bull cliffs of Utah, this happened at Manly Dam...a rather tame section of trails by Northern Beaches standards.
High risk or extreme sport most likely, you can probably get cover but it will be bat crazy expensive.But exactly why we should all have insurance….
Great if ppl could check their insurance (I recommend a call) and let us all know if you’re definitely 100% covered.
I’ll never race or even do organises events. Odd shuttle day is the limit of my organised riding.
Need to find insurance though.
When I spoke to TAL yesterday they couldn’t explain any reasoning why not other than dangerous but skiing is included. Normally mtb and skiing are treated the same on travel insurance.
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while perhaps not what your after, take a look at the conditions of cover under your superannuation insurances. Most of those have TPD and death cover and because of the way its initially set up, there are limited exclusions unless you look to increase the cover over the standard (at which point it starts to resemble everything else you've explored). The standard level of cover generally corresponds to your income level, so in some cases may not be enough or could be enough to cover everything you need.So after a couple weeks of looking I still havent found an insurer for TPD and IP that will explicitly confirm that they will cover recreational mountain biking.... I'm clear that I am not doing any organised events or racing but as soon as you actually declare it the insurers exempt it in the quote.
Anyone?
seems really low on all fronts.Would this work for $99/year?
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How you say it compares to a poke in the eye with a sharp stick? Bicycle Network's average member probably isn't getting the stage 3 tax break.seems really low on all fronts.
Cheers Squid but that's exactly it. Just had a kid and increased all my superannuation insurances from the default to a more reasonable amount so my partner isnt f**ked if i crash and break my neck and as soon as added MTB to list of activities it became an exclusion. Australian Super uses TAL as their underwriter.while perhaps not what your after, take a look at the conditions of cover under your superannuation insurances. Most of those have TPD and death cover and because of the way its initially set up, there are limited exclusions unless you look to increase the cover over the standard (at which point it starts to resemble everything else you've explored). The standard level of cover generally corresponds to your income level, so in some cases may not be enough or could be enough to cover everything you need.
Most people don't ski year roundReally weird that all these insurers will cover skiing but not mtn biking as I would have thought they'd put them in the same category.
Stupid skiing. Stupid insurance.Most people don't ski year round
Shouldn't have disclosed anything to noble oak. Not explicitly excluding something in a policy is as good as including it, should there ever be a fight.Stupid skiing. Stupid insurance.
My riding is intense enough that I wouldnt want to leave her and the kid without some sort of safety net. Not a crazy c**t but I'm not going to stop riding the drops and gaps until I have to.Shouldn't have disclosed anything to noble oak. Not explicitly excluding something in a policy is as good as including it, should there ever be a fight.
another thing you could considder is workign out a plan with your parnter that doesnt include a hefty policy. The likelihood of TPD or death while higher is still pretty low overall unless you're a crazy cunt (i don't know, maybe you are). You'll have more cashflow and some piece of mind that there is a plan in place.
Also worth noting APRA publishes stats for claims payments in aggregate for the industry and its kind of looking pretty grim in general
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